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Factors Influencing User Preference For E-Wallets vs. Traditional Payments Methods Ban Teoh, Kok; Ali, Anees Janee; Binti Ahmad Sukri, Nur Fathin Balqis; Binti Abdullah, Nur Aziyanny; Binti Shuazman, Nur Damia; Binti Shaharuddin, Nur Dianah Azwa; Binti Fauzi, Nur Farisyazliana; Hung Kee, Daisy Mui
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 8, No 2 (2025): June 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v8i2.4018

Abstract

E-wallets are digital payment systems that allow users to make contactless transactions through smartphones or computers, offering convenience and efficiency, particularly for remote payments. Traditional payment methods, such as cash, checks, and card swipes, are perceived as more secure and reliable but may lack the flexibility of digital options. This study compares user experiences between e-wallets and traditional payment methods, focusing on perceived ease of use, convenience and usability, privacy and security, and satisfaction. A quantitative approach, utilizing an online survey of 100 respondents, is used to evaluate user preferences. The study aims to identify key factors influencing payment method choice, providing insights that could guide improvements in payment technologies and enhance user experiences for both consumers and businesses.
Key Factors Affecting Customer Citizenship Behavior in Small and Medium-sized Enterprises Shiratina, Aldina; Utama, Andyan Pradipta; Ali, Anees Janee
Jurnal Manajemen Bisnis Vol. 16 No. 1: March 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v16i1.23342

Abstract

Research aims: This research aims to analyze how customer satisfaction and costumer citizenship behavior (CCB) are impacted by price justice and product quality. Design/Methodology/Approach: A quantitative methodology was employed utilizing survey data from patrons at several rest stops along the Cipali Toll Road. To examine the relationship between variables, structural equation modeling was utilized. The research population consists of customers who utilized the Cipali Toll rest area facilities at least occasionally over the past year. The research sample was selected using a judgmental sampling method as an element of non-probability sampling according to the target population. Research findings: The study findings indicate that CCB and customer satisfaction are positively and significantly impacted by price justice and product quality. While strong product quality boosts customer satisfaction and stimulates positive customer behavior, price justice has a substantial impact on both customer satisfaction and voluntary product promotion. Furthermore, costumer satisfaction mediates the relationship between price justice and CCB, as well as between product quality and CCB.Theoretical Contribution/Originality: This study emphasizes how crucial customer satisfaction is in enhancing the positive impact of fair prices and high-quality products on customers' voluntary behavior. It offers empirical support for the argument that fair prices and high-quality products are important in promoting positive behavior and customer loyalty.Practitioners/Policy Implications: To gain the trust and loyalty of customers, businesses must maintain excellent product quality, comprehend and apply fair pricing strategies, and guarantee price justice. Emphasizing excellent customer service and delivering high-quality items should be the primary focus in boosting client loyalty and positive behavior. Research Limitations/Implications: To determine whether the study results are applicable to other sectors and locations, more research is recommended in the rest areas along the Cipali Toll Road. Longitudinal studies are suggested to monitor changes in customer satisfaction and CCB over time to furrther understand the connection and spot patterns and shifts in customer perceptions.
Innovative Financial Planning Strategies in The Digital Landscape at Ngo Permai Penang HIDAYAH, Nurul; UTAMI, Fransisca L; RAHMAT, Khozaeni Bin; ALI, Anees Janee; ASHAR, Zubir
Akuntansi dan Humaniora: Jurnal Pengabdian Masyarakat Vol. 4 No. 1 (2025): Akuntansi dan Humaniora: Jurnal Pengabdian Masyarakat (Februari – Mei 2025)
Publisher : Indonesia Strategic Sustainability

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/ahjpm.v4i1.1408

Abstract

In the digital landscape, financial planning strategies must strike a balance between leveraging technology and managing the risks associated with it. By embracing digital advances while ensuring security, compliance, and personalized service, financial planners can drive better financial outcomes and create long-term value for PKS and NGO. Pertubuhan Masyarakat Indonesia (PERMAI) Penang is an Indonesian community organization in Penang, Malaysia. It is an NGO or non-governmental organization, meaning it is not part of the government. PERMAI Penang was officially registered with the Malaysian Organization Registration (Register of Society/ROS) in 2019, bearing the registration number 006-07-04022019.PERMAI Penang operates within the social sector, working in the social, educational, and cultural domains. The NGO's membership includes Malaysian and Indonesian individuals residing in Malaysia, including professionals, workers, students, and scholars.PERMAI's primary objectives are to promote educational opportunities for Indonesian children in Malaysia and to equip individuals with marketable skills, thereby enhancing their employability and earning potential. The community service team from UMB has been conducting educational sessions on financial planning, recognizing the importance of financial management in the modern digital economy. It is essential to comprehend and implement the contemporary facets of financial planning within the context of the evolving digital economy. The output of this PKM activity is to improve the value system in the community to develop awareness of the need to improve financial literacy, especially for MSME players, and endeavor will offer scientific discernment on financial management in business.
Sustainability Meets Strategy: Reaching the Environmentally Aware Consumer in the Fashion Industry Lee, Yong Yu; Xia, Kun Peng; Lean, Peck Kwan; Kong, Yenny; Kwa, Jing Wen; Lai, Pei Shuang; Lai, Yik Theng; A., Stumaker; Ali, Anees Janee; Kee, Daisy Mui Hung
Advances in Global Economics and Business Journal Vol. 6 No. 1 (2025): June 2025
Publisher : The Global Academia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51748/agebj.v6i1.105

Abstract

This study investigates how perceived green product attributes and corporate environmental responsibility influence eco-conscious consumer attitudes, purchase intentions, and customer loyalty, using Uniqlo Malaysia as the research context. Drawing upon social identity theory and the Theory of Planned Behavior, we develop and empirically test a model linking environmental cues to loyalty outcomes. Data from an online survey (N=121) reveal that while both green product attributes and corporate environmental responsibility positively affect eco-conscious consumer attitudes, the latter exerts a stronger influence. Moreover, eco-conscious consumer attitude predicts purchase intention, which in turn drives customer loyalty. These findings highlight the mediating roles of attitude and intention in translating environmental perceptions into enduring loyalty. This study contributes to the green marketing literature by elucidating the mechanisms through which sustainability commitments foster trust and engagement. It also provides managerial insights, suggesting that genuine corporate-level environmental actions and transparent communication enhance brand credibility and long-term loyalty.
Brand Awareness, Ethical Concerns, and Social Influence: Key Drivers of Boycotting Behavior Against Nestlé Yusof, Rosmelisa; Effendi, Azura Abdullah; Binti Abdul Majid, Nur Qistina Diyana; Binti Mohd Firdaus, Nur Sazlein; Binti Muhamad Shukri, Nur Syafiqah; Binti Mohd Hazry, Nur Syazwani; Binti Mohd Amin, Nurdania Delylah; Ali, Anees Janee; Kee, Daisy Mui Hung
Asia Pacific Journal of Management and Education (APJME) Vol 8, No 2 (2025): July 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v8i2.4071

Abstract

Nestlé is the world’s largest food and beverage company founded in 1866 that offer a wide range of products. Nestlé present in 190 countries around the world and its headquarters in Vevey, Switzerland. In today’s global market, there has been boycott movement of Israeli products due to Israeli-Palestinian conflict. Nestlé also affected by this boycott movement since Nestlé’s products is pro-Israel products. The purpose of this study is to examine the relationship between ethical concerns, brand awareness, social influence, and consumer willingness on moral judgement and its impact on boycotting behavior against Nestlé. Data was collected from 100 respondents from various background. Our findings shows that boycotting behavior among consumer against Nestlé significantly influenced by combinations of brand awareness, ethical concerns, social influence, and consumer willingness to boycott. Meanwhile, moral judgement acts as the mediator that links all of these factors to the decision to boycott. These findings can help Nestlé to develop appropriate strategies in addressing consumer concerns and boycotting behavior against Nestlé’s products
The behavioral finance of MSMEs in the advancement of financial inclusion and financial technology (Fintech) Risman, Asep; Ali, Anees Janee; Soelton, Mochamad; Siswanti, Indra
The Indonesian Accounting Review Vol. 13 No. 1 (2023): January - June 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/tiar.v13i1.3213

Abstract

This study aims to determine empirical evidence of the effect of financial inclusion and financial technology (fintech) on the behavioral finance of MSMEs. This study uses a quantitative method with a positivist paradigm approach. The population of this study is all MSMEs in Indonesia. The sample used in this study is 205 respondents (MSME owners) from all over Indonesia. Sampling is carried out using a random technique. Data collection is carried out by distributing questionnaires, both manually and online using Google Forms, and is measured using a 5-point Likert scale. The data processing is carried out using Partial Least Square (PLS) software with a Structural Equation Modeling (SEM) model. The results of this study show that financial inclusion and financial technology (fintech) have a direct positive effect on the behavioral finance of MSMEs. Financial technology (fintech) can mediate and increase the effect of financial inclusion on the behavioral finance of MSMEs.
Beauty Beyond Products: Exploring the Drivers of Customer Satisfaction in Malaysia’s Leading Health and Beauty Retailer Lee, Yong Yu; Xia, Kun Peng; Lee, Shi Ying; Lee, Che Ying; Lee, Huey Shan; Lee, Wei Yin; Lee, Yan Lin; Kumaran B, Varun; Ali, Anees Janee; Kee, Daisy Mui Hung
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 8, No 3 (2025): October 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v8i3.4213

Abstract

Drawing on service-dominant logic and the framework of stimulus-organism-response, our study investigates the mechanisms through which service attributes influence customer satisfaction in health and beauty retail. Analysis of survey data from 99 Watsons Malaysia customers reveals that staff behavior directly influences both perceived service quality and customer satisfaction, while service accessibility shapes satisfaction primarily through customer emotional responses and perceived service quality. The findings demonstrate the distinct pathways through which different service attributes contribute to satisfaction outcomes, with both cognitive and emotional responses playing crucial mediating roles. This study advances service management theory by illuminating the complex mechanisms underlying customer satisfaction formation and provides practical guidance for retail managers in designing effective service improvement initiatives. The results highlight the importance of considering both direct and indirect pathways when developing service enhancement strategies in health and beauty retail contexts.
Financial Planning Aspects in the Era of Digital at NGO Permai Penang HIDAYAH, Nurul; UTAMI, Fransisca L; ALI, Anees Janee
Akuntansi dan Humaniora: Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2024): Akuntansi dan Humaniora: Jurnal Pengabdian Masyarakat (Februari – Mei 2024)
Publisher : Indonesia Strategic Sustainability

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/ahjpm.v3i1.1066

Abstract

Pertubuhan Masyarakat Indonesia (PERMAI) Penang has been an NGO registered with the Malaysian Organization Registration (Register of Society/ROS) since 2019, with the number 006-07-04022019. PERMAI Penang operates in the social and educational sectors. PERMAI Penang is an abbreviation of the Indonesian Community Organization in Pulau Pinang, Malaysia. An NGO or non-governmental, non-political organization operating in the social, educational and cultural fields. PERMAI members or experts are Indonesian people living in Malaysia, including workers, expatriates, lecturers, teachers, students and scholars. This NGO aims to educate the Indonesian people and ensure Indonesian children in Malaysia receive an education. In order to become an incubator, they need to have unique skills and abilities so that they can get jobs in positions and salaries that are higher or at least equal to other nations. The community service team from UMB had been holding training activities with objective items to address understanding financial planning. In the era of new-age technology with which technology has penetrated every inch of people's everyday lives, even how we plan and operate our investments and financial planning. Understanding and embracing the modern financial planning aspects in the new digital economy is wiser. The results of this PKM will provide scientific insight with presentations regarding financial management in business.
Enhancing Financial Reporting for Micro, Small and Medium Enterprises (MSMEs): System Design and Analysis Putra, Yananto Mihadi; Fardinal, Fardinal; Ali, Anees Janee
Countable (Contemporary Business and Sustainability Science) Vol. 1 No. 1 (2024)
Publisher : Inisiatif Masyarakat Jurnal Indonesia (IMAJI)

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

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The Role of Entrepreneurial Marketing and Relationship Marketing That Strengthen The Women Entrepreneurs' Business Performance Shiratina, Aldina; Ramli, Yanto; Imaningsih, Erna Sofriana; Rajak, Adnan; Ali, Anees Janee
Indonesian Journal of Business and Entrepreneurship Vol. 9 No. 2 (2023): IJBE, Vol. 9 No. 2, May 2023
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.9.2.169

Abstract

The role of marketing in small and medium-sized enterprises (SMEs) has a unique characteristic compared to conventional marketing in large organizations. This research is focused on the apparel industrial entrepreneurs in the city of Bandung. This research intended to examine the impact of entrepreneurial and relationship marketing on business performance, moderated by motivation. The research method used in this paper was the quantitative method with descriptive and verificative approaches. The sample size used in this research is around 150 SME businesses. This research indicates that business motivation significantly moderated the impact of entrepreneurial marketing on business performance and significantly moderated the effect of relationship marketing on business performance. This research concluded that it is crucial for SME entrepreneurs in the fashion sector in Bandung to further develop their businesses by motivating them to improve their business performance through entrepreneurial marketing and relationship marketing. Keywords: entrepreneurial marketing, relationship marketing, business performance, motivation, SMEs
Co-Authors A., Stumaker A/P Ramachandran, Kirrthana Aafaqi, Rehana Adnan Rajak, Adnan Ahmad Badawi, Ahmad Aldina Shiratina Arijanto, Agus ASHAR, Zubir Ban Teoh, Kok Bin Rahmad, Khozaeni Binti Abdul Majid, Nur Qistina Diyana Binti Abdull, Siti Nur Allisya Nurulzaman Binti Abdullah, Nur Aziyanny Binti Ahmad Sukri, Nur Fathin Balqis Binti Che Kahar, Intan Azmira Binti Fauzi, Nur Farisyazliana Binti Mohamad Sukeri, Irdina Humaira Binti Mohamed Ridzuan, Siti Nursyakiroh Binti Mohd Amin, Nurdania Delylah Binti Mohd Firdaus, Nur Sazlein Binti Mohd Hazry, Nur Syazwani Binti Muhamad Shukri, Nur Syafiqah Binti Shaharuddin, Nur Dianah Azwa Binti Shuazman, Nur Damia Christian Kuswibowo Daru Asih Deden Tarmidi Effendi, Azura Abdullah Erna Setiany Erna Sofriana Imaningsih Fadhila Dhia Malihah Fardinal, Fardinal Harry Suharman Hendi Prihanto Hui, Gan Kia Hung Kee, Daisy Mui Irmayunita Jia Xuan, Jasmine Wong Joan N, Griselda Jogo Boro, Brechmans Aditia Karyatun, Subur Kee, Daisy Mui Hung Khalid, Jamshed Khor, Su Hua Kimberley, Kong Miu Ling Kong, Jia Xian Kong, Mei Yee Kong, Yenny Kumar, Shravan Kumaran B, Varun Kwa, Jing Wen Lai, Pei Shuang Lai, Yik Theng Lean, Peck Kwan Lee, Che Ying Lee, Huey Shan Lee, Shi Ying Lee, Wei Yin Lee, Yan Lin Lee, Yong Yu Liem, Gai Sin Lucky Nugroho Mahroji Mochamad Soelton Muhammad Ramli Nia Kusuma Wardhani, Nia Kusuma Nugraha, Erik Nugroho J. Setiadi NURUL HIDAYAH Odebunmi, Abayomi Tunde Oh, Zi Jian Rahmad, Khozaeni Bin RAHMAT, Khozaeni Bin Risman, Asep Sim, Vivian Sim, Wei Siang Sing, Steven SUPRAPTO Tan, Lay Hong Teoh, Yun Ern Thoe, Wei Min Tine Yuliantini Toh, Yu Jing Toh, Yu Xuan Utama, Andyan Pradipta UTAMI, Fransisca L Vartharaju, Jayaneswari A/P Xia, Kun Peng Xiang Ming, Irene Lee Yananto Mihadi Putra Yanto Ramli Yuli Harwani, Yuli Yusof, Rosmelisa